List the essentials
Balances, APRs and minimum payments. No bank login.
A clearer payment planGive your debt
Give your debt
a direction.
Compare payment scenarios, see an estimated payoff timeline, and turn your card balances into a plan you can review each week.
Explore the founding betaTry the demo first. No sign-up needed.
Try the payoff estimator
What changes with $50 more?
Enter values to compare.
An estimate, not a guaranteed payoff date.
Single balance, fixed APR, monthly compounding, payments at month-end, no new spending or fees. Card issuers may calculate interest differently. This demo does not send your numbers anywhere.
Compare your options
See how payment amounts and order change the projection.
Keep the plan current
Record payments and review the next step each week.
THE FOUNDING BETAA useful first version.
A useful first version.
With a human behind it.
A personalized educational payoff worksheet within 24 hours, an avalanche/snowball comparison, and a weekly asynchronous update. You make all payments yourself; we do not contact creditors.
After payment: complete your setup and send it by email. Ernesto reviews it and replies with your plan. No sales call.
$12.99 / month
Founding beta · $12.99/month for your first 12 months. Monthly billing; cancel before your next renewal.
Secure checkout with Stripe. After payment, complete your setup and email it to Ernesto Soto. No sales call.
Request a refund within 30 days of payment. For support or cancellation, email ernesto@ernestosoto.com. Review the terms below before purchase.
Before you join
Will you negotiate or reduce my debt?
No. ClearBy is an educational planning tool. It does not negotiate with creditors, repair credit, provide loans or guarantee savings.
Can I use this if I am missing payments?
This beta is designed for people who are current on their payments and can cover their minimums. It is not a substitute for professional help with missed payments or insolvency.
Do you need my bank password?
No. The beta uses manually supplied figures. Never send account numbers, bank passwords or card details in a worksheet.
What happens to my information?
The demo runs in your browser. It does not send task text, balances or training inputs to an analytics service. No advertising pixels are installed on this page. Hosting may process technical request logs.